International Insurance Plans

Welcome to IMG®'s section of Coverage without Boundaries®!
We know that the reasons to travel abroad are
many and varied – that´s why our products are too. Our full-service approach to providing international medical insurance
products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling
frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have
developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.

For your convenience and to assist you in determining which plan is right for you, simply use the scroll function to view
each of the products or click on one of the specific product categories below to help narrow your search. You may also
obtain more detailed plan information by clicking on the "Review Coverage" link associated with each product. Once you
have determined which plan best fits your needs, click on the "Buy ..." link and you can complete the
simple and easy-to-follow application.

Patriot Travel Medical Insurance®

Individual & family (5 days up to 2 years coverage)

Patriot Travel plans address the insurance needs of U.S. citizens and foreign nationals who need
temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

There are two Patriot Travel plans that provide up to $2,000,000 of medical coverage. Patriot International®
provides coverage for U.S. citizens traveling outside the U.S. and Patriot America® provides coverage
for non-U.S. citizens traveling outside their home country.

In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles
and plan maximums. Coverage can be obtained from a minimum of five days up to two years.

Global Medical Insurance®

Individual & family (1 year or longer)

Global Medical Insurance offers worldwide coverage to a wide variety of international clientele, including expatriates,
international executives, diplomats, students, entertainers and other international travelers. With Global Medical Insurance
you have a choice of four plan options: Silver, Gold, Gold Plus, and Platinum. Simply choose one that best fits your needs.
The Silver, Gold and Gold Plus plans provide $5,000,000 of lifetime coverage, while the Platinum plan provides $8,000,000.
All four plans offer a full range of benefits suited for individuals and families.

There are two coverage area options: worldwide or worldwide excluding the U.S. and Canada. Both options provide coverage
24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Medical
Insurance, you receive IMG’s commitment to deliver world class health benefits, medical assistance and total peace of mind.

Patriot Platinum Travel Medical InsuranceSM

Enhanced benefits and services plan

Patriot PlatinumSM provides first-class protection for the discerning international
traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.

Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits
and services and our Global Concierge & Assistance ServicesSM.

There are two plans available: Patriot Platinum InternationalSM provides coverage for
U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage
for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.

Patriot Green Travel Medical InsuranceSM

Environmentally conscious plan

Patriot Green Travel Medical InsuranceSM is designed for the environmentally
conscious traveler and provides up to $2,000,000 of medical coverage and services. This plan provides the same
comprehensive benefits as the Patriot Travel plan, but also includes eco-friendly benefits including providing for
the purchase of carbon offsets, pays an additional $5,000 AD&D benefit to an environmentally conscious organization, and it is paperless.

Patriot Green InternationalSM provides coverage for U.S. citizens traveling outside the U.S.
and Patriot Green AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.
Coverage can be obtained from a minimum of five days up to two years.

Patriot Executive® Travel Medical Insurance

Business traveler (annual coverage)

Patriot Executive is designed for the executive that takes multiple trips throughout
the year outside his or her home country. The plan provides coverage up to 30 days in length for
each trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.

Patriot Executive International provides coverage for U.S. executives traveling outside the U.S. and Patriot
Executive America provides coverage for non-U.S. executives traveling outside their home country.

GEOSM Group

Employer sponsored group insurance

GEO Group is one of the most comprehensive group hospital, surgical, medical and
life insurance programs in the world. This program is designed for employers with employees who
are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO
Group assists employers to carve out their international employees to provide U.S.-style benefits
and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.

Patriot Group Travel Medical Insurance®

5 or more individuals (5 days up to 2 years)

Patriot Group Travel Medical Insurance provides coverage for groups of five or more
U.S. citizens and/or foreign nationals who need temporary medical insurance while traveling for business
or pleasure anywhere outside their home country. It offers a 10% discount from Patriot Travel Medical
Insurance and has one easy-to-use enrollment form.

There are two Patriot Group Travel plans plans that provide up to $2,000,000 of medical coverage with a choice
of deductibles and policy maximums. Patriot International Group provides coverage for U.S. citizens traveling
outside the U.S. and Patriot America Group provides coverage for non-U.S. citizens traveling outside their
home country. In addition to medical benefits, the plans include coverage for medical evacuation and repatriation.

Coverage can be obtained from a minimum of five days up to a maximum of two years.

Patriot Exchange ProgramSM

Cultural Exchange Student insurance plans

Patriot Exchange is designed for students studying abroad or participants of cultural
exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical
plan while the Standard Short-Term Travel Plan is designed to meet the U.S. J1 visa travel insurance requirements.

Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S.
citizens worldwide except in their home country and Europe to Europe.

Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed
(without break in coverage) for a total of four years.

Patriot Group Exchange ProgramSM

Group cultural exchange student insurance plans

Patriot Group Exchange offers the same great benefits, options and renewability as
the Patriot Exchange Program, and in addition to the Basic and Standard Short-Term plans, a Long-Term plan is available.

The plan is available to groups of five or more students or participants of cultural exchange programs, offers a 10%
discount from Patriot Exchange Program and has one easy-to-use enrollment form.

Student Health AdvantageSM

Long-term, worldwide medical insurance for groups of 2 or more international students

Student Health Advantage is designed for individuals or a group of students or scholars
participating in a sponsored study abroad program, and desire an annually renewable comprehensive
medical plan. This plan meets student visa requirements, includes benefits for maternity after 10 months,
mental health, organized sports and international emergency care. It also provides coverage for pre-existing
conditions after 12 months of coverage.

Patriot T.R.I.P.®

Travel Protection for trips up to 30 days

Patriot T.R.I.P. helps protect travelers who are unable to travel or are interrupted
during their covered trip due to circumstances such as a sudden and unexpected illness or injury, death
in the family, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or
airline. Benefits also include coverage in the event of travel and baggage delay, lost baggage, emergency
medical expenses, emergency medical evacuation and much more.

Patriot T.R.I.P.® Elite

First Class Travel Protection

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite,
a premier travel insurance program. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need
more coverage than provided by the Patriot T.R.I.P. program. The program has increased benefit amounts for emergency
medical, emergency medical evacuation, travel delay, baggage, trip interruption and has a benefit for violent attacks.

Patriot T.R.I.P.® Student

Student Travel Insurance Program

Patriot T.R.I.P. Student is a "budget conscious" travel insurance program designed
to provide important benefits to students for many of those unforeseen circumstances that may force the
cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or
interruption travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.

Sky RescueSM

Emergency Medical Evacuation

Sky Rescue is designed for those travelers who need to fill the gaps in the international medical
insurance. It provides coverage for such benefits as emergency medical evacuation, repatriation, reunion and
emergency assistance services that are not covered under most domestic or national plans.

Coverage is available for individuals under the age of 65 traveling outside their home country. It can be purchased
in three, six or 12 months increments and can be rewritten for succeeding or subsequent periods.

Patriot AdventureSM Travel Medical Insurance

Adventure athletics and adventure insurance

Patriot Adventure is designed for the adventurous international traveler.
Patriot Adventure provides benefits for those traveling abroad who also intend to participate
in a select group of athletic activities or adventure sports.

International Marine Medical InsuranceSM

Worldwide group coverage for professional marine crew

International medical insurance for marine crew requires provisions not met by many
companies. International Marine Medical Insurance (IMMI) was designed specifically to provide comprehensive medical
insurance to marine crew by offering continuous coverage worldwide. IMMI provides $1,000,000 of coverage per
certificate period with a full range of benefits. Group members will be covered worldwide, including their
country of citizenship, 24 hours a day.

Global Crew Medical Insurance®

Worldwide coverage for professional marine captains and crew members

Global Crew Medical Insurance(GCMI) is a comprehensive and portable international
medical insurance plan designed specifically for professional marine crew. GCMI can help eliminate the obstacles
of time, currency, and language when you are seeking medical treatment and need assistance and administration of
your global health care benefits. The plan provides $5,000,000 of lifetime coverage with a full range of benefits
and offers two options: worldwide coverage and worldwide coverage excluding the U.S. and Canada. Both options
provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.